SBI CardVisa Network

Verified

Direct Bank Application via Official Issuer Portal

Travel Shopping Airport Lounge Health

4.6/5 Editorial Score

Apollo SBI Card SELECT

India's Premier Healthcare Credit Card — 10X Apollo Rewards + Lounge Access

Best Suited For

Health-conscious families and frequent Apollo Pharmacy/24|7 users who want to earn significant rewards on medicine, diagnostics, and healthcare while enjoying lounge access and wellness perks.

Travel Shopping Airport Lounge Health

Joining Fee

₹1,499

One-time upfront

Annual Fee

₹1,499

Waived on ₹3 lakh annual spend

Base Rewards

10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Ot...

On eligible spends

Airport Lounge

2 Domestic visits/quarter

Complimentary visits

Apply Now Compare Card

See where this card gets lounge access

Last verified 10 Sept 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.6/5 Editorial Score

The Apollo SBI Card SELECT is India's only credit card purpose-built around healthcare spending, and it delivers genuine value for families with significant annual pharmacy, diagnostic, and wellness expenditure. The headline benefit — 10 reward points per ₹100 on Apollo 24|7 and Apollo Pharmacy purchases (capped at 5,000 points/month) — translates to a 10% effective return when combined with Apollo Circle membership benefits (up to 25% combined value-back). For a family spending ₹5,000/month on medicines and lab tests through Apollo channels, this generates ₹6,000/year in rewards, comfortably exceeding the ₹1,499 annual fee. The wellness benefits package further differentiates the card from any competitor. A complimentary comprehensive health check-up (upon spending ₹50,000 within the first 90 days and annually thereafter), 12-month FITPASS PRO membership, and ₹1,500 e-Gift voucher upon joining collectively provide approximately ₹5,000–₹7,000 in first-year wellness value. The 2X rewards on dining, movies, and travel (2 points per ₹100) and 4 domestic airport lounge visits per year (1 per quarter) add lifestyle utility beyond the healthcare focus. The Priority Pass membership extends international lounge coverage. The constraints are primarily volume-driven. The 5,000 monthly reward point cap on Apollo purchases limits the maximum accelerated benefit to ₹5,000/month or ₹60,000/year in Apollo spending. The base rate of 1 point per ₹200 on non-partner transactions (~0.5%) is below average. The ₹3,00,000 annual spend fee waiver threshold is steep. Users who do not use Apollo pharmacies or diagnostics regularly will find the card's value proposition thin compared to general rewards or cashback alternatives at the same ₹1,499 price point.

Ideal For:Health-conscious families and frequent Apollo Pharmacy/24|7 users who want to earn significant rewards on medicine, diagnostics, and healthcare while enjoying lounge access and wellness perks.

Travel Shopping Airport Lounge

Card Strengths

10X rewards on Apollo 24|7 and Apollo Pharmacy — highest healthcare-specific return in India
Complimentary annual comprehensive health check-up worth ₹3,000–₹5,000
12-month FITPASS PRO membership included — access to 7,500+ gyms and fitness studios
₹1,500 welcome voucher effectively makes the first year free when combined with health check-up
4 domestic lounge visits plus Priority Pass international membership at the ₹1,499 price point

Things to Keep in Mind

5,000 monthly reward point cap on Apollo purchases limits accelerated benefit to ₹50,000/month in Apollo spending
Base reward rate of 0.5% (1 point per ₹200) on non-partner spends is below market average
₹3,00,000 annual spend threshold for fee waiver is steep for a mid-premium co-brand
Apollo-specific value is minimal for users who do not use Apollo pharmacies or diagnostics regularly

Additional Cardholder Privileges

Rewards

10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Other Purchases

Welcome

Welcome Benefit 1

Apollo 24/7 Gift Voucher Worth ₹1,500, Built-in Apollo Circle Benefits, and FITPASS PRO Membership

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: Reward Points
Reward Currency: Reward Points
Base Earn Rate: 10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Ot...
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Apollo Healthcare Services & Apollo 24/7	15 Reward Points per ₹100 spent (3.75% valueback)	No Cap	Standard terms apply
Dining, Entertainment & Movies	10 Reward Points per ₹100 spent (2.5% valueback)	No Cap	Standard terms apply
All Other Retail Spends	2 Reward Points per ₹100 spent (1 RP = ₹0.25)	No Cap	Standard terms apply

Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Apollo Healthcare Services & Apollo 24/73.75%

No published cap

₹

Dining, Entertainment & Movies2.50%

No published cap

₹

All Other Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Apollo Healthcare Services & Apollo 24/7	₹6,000	15 Reward Points per ₹100 spent (3.75% valueback)	—	None	Calculating...	Under cap
Dining, Entertainment & Movies	₹6,000	10 Reward Points per ₹100 spent (2.5% valueback)	—	None	Calculating...	Under cap
All Other Retail Spends	₹18,000	2 Reward Points per ₹100 spent (1 RP = ₹0.25)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹1,499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1499 annual fee.

Multi-card comparator

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 2 complimentary visits per quarter
Spend Requirement: No spend requirement

4 complimentary domestic airport lounge visits per calendar year (1 per calendar quarter)

International Lounge Access

Global airports outside India

Included

Complimentary Visits: 1 complimentary visit per quarter
Spend Requirement: Verification in progress
Access Type: Apollo SBI Card SELECT Airport Lounge Access Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Chennai International AirportMAA

Terminal 1

Participating Lounges

Travel Club Lounge B

View All Airport Cards →

Chhatrapati Shivaji Maharaj International AirportBOM

Terminal 2, Terminal 1B

Participating Lounges

Travel Club Adani Lounge Adani East Lounge

View All Airport Cards →

Indira Gandhi International AirportDEL

Terminal 3, Terminal 1

Participating Lounges

Encalm Lounge

View All Airport Cards →

Kempegowda International Airport BengaluruBLR

Terminal 1, Terminal 2

Participating Lounges

080 Domestic Lounge West PH2 080 International Lounge

View All Airport Cards →

Netaji Subhash Chandra Bose International AirportCCU

Terminal 1

Participating Lounges

Travel Club Lounge

View All Airport Cards →

Rajiv Gandhi International AirportHYD

Terminal 1

Participating Lounges

Encalm Lounge

View All Airport Cards →

Sardar Vallabh Patel International AirportAMD

Terminal 1

Participating Lounges

The Lounge

View All Airport Cards →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance2 Domestic visits/quarter

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹1,499
Annual / Renewal Fee (2nd Year Onwards): ₹1,499
Annual Spend Fee Waiver: Waived on ₹3 lakh annual spend
Fee Terms Notes: ₹1,499 joining and annual fee; waived on ₹3L annual spend. ₹1,500 Apollo voucher offsets joining fee.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹1,499 + 18% GST. • Annual Renewal Fee: ₹1,499 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on spending ₹3,00,000 or more in the preceding anniversary year. • Apollo Rewards: 10 Reward Points per ₹100 on Apollo 24|7 and Apollo Pharmacy (capped at 5,000 points/month). • Dining/Movies/Travel: 2 Reward Points per ₹100 spent. • All Other Spends: 1 Reward Point per ₹200 spent. • Welcome Benefit: ₹1,500 Apollo e-Gift Voucher upon joining fee payment. • Health Check-up: Complimentary comprehensive check-up on ₹50,000 spend within 90 days (upon joining and annually). • FITPASS PRO: 12-month complimentary membership upon activation + one retail transaction. • Domestic Lounge: 4 complimentary visits per year (1 per quarter). • Priority Pass: 2-year complimentary membership. • Milestone Reward: Complimentary Noise smartwatch (worth ₹7,999) on ₹6L annual spend. • Fuel Surcharge Waiver: 1% waiver on transactions ₹500–₹4,000 (capped at ₹100 per cycle). • Foreign Currency Markup: 3.50% + GST on international transactions. • Reward Redemption: 1 Point = 1 Apollo Health Credit (₹1), redeemable within Apollo ecosystem.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding Apollo SBI Card SELECT application, fees, reward redemption, and eligibility

How much is 1 Apollo SBI Card reward point worth?

1 Reward Point = 1 Apollo Health Credit = ₹1. Points are redeemable at face value within the Apollo ecosystem including Apollo Pharmacy, Apollo 24|7, and Apollo Hospitals for medicines, diagnostics, and consultations.

Does the Apollo SBI Card include a free health check-up?

Yes. You receive a complimentary comprehensive health check-up upon spending ₹50,000 within the first 90 days of joining. This benefit repeats annually if you spend ₹50,000 within 90 days of your card anniversary date.

What is FITPASS PRO and how do I activate it?

FITPASS PRO is a gym and fitness studio membership providing access to 7,500+ fitness centres across India. It is automatically activated upon card activation and completion of one retail transaction.

Does the Apollo SBI Card offer lounge access?

Yes. The card provides 4 complimentary domestic airport lounge visits per year (1 per quarter) and includes a 2-year Priority Pass membership for international lounge access.

What is the joining and annual renewal fee for Apollo SBI Card SELECT?

The joining fee for Apollo SBI Card SELECT is ₹1,499 (one-time), and the annual renewal fee is ₹1,499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on Apollo SBI Card SELECT be waived?

Yes, the annual renewal fee of ₹1,499 is waived upon achieving annual spends of ₹3 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on Apollo SBI Card SELECT?

Apollo SBI Card SELECT offers 10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Ot.... Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does Apollo SBI Card SELECT offer complimentary airport lounge access?

Yes, Apollo SBI Card SELECT provides 2 Domestic visits/quarter.